You can download five free Apps to save on groceries, toys, meals, and more. check out the mobile apps article from Three Jars Daily Newsletter
Showing posts with label Finance. Show all posts
Showing posts with label Finance. Show all posts
Tuesday, October 12, 2010
5 Free Mobile Apps That Save Money
You can download five free Apps to save on groceries, toys, meals, and more. check out the mobile apps article from Three Jars Daily Newsletter
Monday, October 11, 2010
Financial Savvy Site for Kids
A new website, ThreeJars.com, enables children to learn how to earn, track and use their own money online. Children may divvy up their money into three categories, or "jars" -- save, spend and share. They decide how much to store, spend and donate to charity. The site requires a yearly fee of $30 per family.
Parents set the allowance limit with each child, and on allowance payday, add money to the online total. The site tracks how much is owed and what has been paid. The site offers savings options such as "parent" bonds and certificates of deposit. With parents' approval, children withdraw cash from their personal ATM or buy gift cards from 30 select retailers. And children direct points that they earn to causes they select.
People may also register for a free daily e-mail with financial tips atThreeJars.com. This info was reported by....
-Sandra Guy- Chicago Sun Times
Saturday, October 9, 2010
Friday, October 8, 2010
Are Credit Card Rewards Worth It?
A lot of credit cards offer a rewards program now. Some allow you to earn points to be redeemed on merchandise, others offer cash back. But are these rewards really worth it? Read this article and determine for yourself.
Tuesday, October 5, 2010
Free Book: Well-Being or Retirement For Dummies
What is REAL Powered by Humana? With a unique focus on all aspects of your life, REAL represents the path to a healthier you. And it starts right here. Order your free FOR DUMMIES book on Retirement or Well-Being here ===> http://www.realforme.com/register.
Sunday, October 3, 2010
10 Things You'll be Paying More for - SOON
10 Things you'll be paying more for soon A great read on items that are on the rise. Included in this list are Gold, House prices, Postage and even Miami Heat tickets - lol.
Postage was listed in the article above, but perhaps it's a little too soon as we now find out that the postal hike was rejected.
The above articles were posted over at AOL's Wallet Pop.
Thursday, September 30, 2010
Mainstreet.com
Here are some great articles from Mainstreet.com for your reading pleasure!
The Best Digital Gift Cards Deciding where to buy your holiday gift cards this year? According to RSR Research, your best bets are Home Depot, CVS or Amazon.com.
The 20 Worst Charities in America A favorite saying in business is that you have to spend money to make money. Charitable organizations, on the other hand, have to spend money to give money, and it turns out that some are woefully inefficient at channeling donations to the people they're supposed to help.
New Options for Seniors Health Care Costs Seniors with high drug costs will soon have more options to help them cope with Medicare's prescription coverage gap.
4 Ways to Avoid Coupon Rip-Offs Are you getting ripped off when you’re looking to save? Take charge with these easy steps.
The Best Digital Gift Cards Deciding where to buy your holiday gift cards this year? According to RSR Research, your best bets are Home Depot, CVS or Amazon.com.
The 20 Worst Charities in America A favorite saying in business is that you have to spend money to make money. Charitable organizations, on the other hand, have to spend money to give money, and it turns out that some are woefully inefficient at channeling donations to the people they're supposed to help.
New Options for Seniors Health Care Costs Seniors with high drug costs will soon have more options to help them cope with Medicare's prescription coverage gap.
4 Ways to Avoid Coupon Rip-Offs Are you getting ripped off when you’re looking to save? Take charge with these easy steps.
Wednesday, September 22, 2010
Saturday, September 18, 2010
NO DEAL: Zero Percent Auto Financing
Zero percent auto financing is not the deal it seems by Clark Howard
RIP-OFF ALERT: Have you seen offers for zero percent financing for five years at auto dealerships? They're the No. 1 come-on right now because dealerships know similar ploys worked so well earlier this decade.
Why are offers like this that seem to be a good deal actually a rip? Well, first off, about 60 percent of customers are being turned down when they apply for the zero percent offer. The automakers have made the credit requirements very strict -- as they should. They know that the allure of zero percent financing gets people in the door and that's really what they're after.
So be honest with yourself. If your credit is not perfect, don't go into that dealer expecting to qualify for zero percent. You'll be turned down and then -- and here's the part the dealerships love! -- talked into letting the finance department write a loan for you at above-market interest rates.
So you actually end up burning yourself twice: First because you don't get the zero percent and second because you walk out there with a high-interest loan.
Finally, there's the question of how long you should finance a vehicle. Kelley Blue Book now says 62 percent of car shoppers are looking at financing longer than 48 or 60 months. Yet Clark recommends car loans of no longer than 42 months.
Why 42 months? That's the last sweet spot where the car's value over time and the loan balance over time stay on a nearly even pace together.
Limiting your car note to no more than 42 months may mean you can't afford the car you really wanted. It can be a hard dose of reality when you find you're buying too much car. Too often, though, buyers will get rid of a car before the balance has been paid and the losses are rolled over into a new, larger loan. Don't do it!!
Dealers love "payment buyers" who can only afford to pay X dollars per month. By taking that approach to purchasing, you lose sight of the total cost of the loan over its lifetime.
Why are offers like this that seem to be a good deal actually a rip? Well, first off, about 60 percent of customers are being turned down when they apply for the zero percent offer. The automakers have made the credit requirements very strict -- as they should. They know that the allure of zero percent financing gets people in the door and that's really what they're after.
So be honest with yourself. If your credit is not perfect, don't go into that dealer expecting to qualify for zero percent. You'll be turned down and then -- and here's the part the dealerships love! -- talked into letting the finance department write a loan for you at above-market interest rates.
So you actually end up burning yourself twice: First because you don't get the zero percent and second because you walk out there with a high-interest loan.
Finally, there's the question of how long you should finance a vehicle. Kelley Blue Book now says 62 percent of car shoppers are looking at financing longer than 48 or 60 months. Yet Clark recommends car loans of no longer than 42 months.
Why 42 months? That's the last sweet spot where the car's value over time and the loan balance over time stay on a nearly even pace together.
Limiting your car note to no more than 42 months may mean you can't afford the car you really wanted. It can be a hard dose of reality when you find you're buying too much car. Too often, though, buyers will get rid of a car before the balance has been paid and the losses are rolled over into a new, larger loan. Don't do it!!
Dealers love "payment buyers" who can only afford to pay X dollars per month. By taking that approach to purchasing, you lose sight of the total cost of the loan over its lifetime.
Thursday, September 9, 2010
Tuesday, July 6, 2010
Postal Rates on the Rise Again!!!
Buy those just plain ugly Forever Stamps now. The cost of mailing a letter is going up again beginning in January 2011! The Postal Service has announced that they want to increase the price of first-class stamps by 2 cents -- to 46 cents. Other postage rates would rise as well.
FINANCE: Tips on Lowering Vet Bills
Halo Pets.com has an educational article on lowering your pet's veterinary bills. PAWS is currently enrolled under the Banfield insurance plan and it has saved us thousands over the past five years since we adopted her. Banfield is located inside of most PetSmart stores.
Friday, July 2, 2010
FINANCE: 8 Money Mistakes to Avoid
The 8 Money Mistakes to avoid and tips on fixing them from All You Magazine.
How many are you guilty of? Check the entire article for details.
Wednesday, June 30, 2010
FINANCE: What kids should know about money
Here are tips on what kids should know about money and when from Black Enterprise Magazine: Kids & Money
FINANCE: 14 Things that are getting CHEAPER
U.S. News & World Report has a great article on 14 Things that are getting cheaper such as: housing, clothes, club dues, and photography. The article can be read here: 14 Cheaper Things
Tuesday, June 29, 2010
FINANCE: 21 Things you should NEVER buy New
Monday, June 7, 2010
Friday, June 4, 2010
FINANCE: Some Savings Bonds to stop gaining interest
Do you have any old US Savings Bonds stuck inside a lock box somewhere? Sometimes saving for a rainy day can earn you nothing and may even cost you money! It's time for you to dig up those old savings bonds and see which you may hold that will stop earning interest after June. To check which series you have and to find out how to redeem them, visit www.treasuryhunt.gov.
Subscribe to:
Posts (Atom)